Payments Risk Analyst II, Operations

Coinbase Payments Risk Analyst II

Ready to be pushed beyond what you think you're capable of? At Coinbase, our mission is to increase economic freedom in the world. It's a massive, ambitious opportunity that demands the best of us, every day, as we build the emerging onchain platform and with it, the future global financial system. To achieve our mission, we're seeking a very specific candidate. We want someone who is passionate about our mission and who believes in the power of crypto and blockchain technology to update the financial system. We want someone who is eager to leave their mark on the world, who relishes the pressure and privilege of working with high caliber colleagues, and who actively seeks feedback to keep leveling up. We want someone who will run towards, not away from, solving the company's hardest problems. Our work culture is intense and isn't for everyone. But if you want to build the future alongside others who excel in their disciplines and expect the same from you, there's no better place to be. While many roles at Coinbase are remote-first, we are not remote-only. In-person participation is required throughout the year. Team and company-wide offsites are held multiple times annually to foster collaboration, connection, and alignment. Attendance is expected and fully supported.

As a Payments Risk Analyst II on the Payments Risk Operations team, you will play a critical role in safeguarding our platform while upholding an optimal customer experience. You will be fully responsible and accountable for the end-to-end investigation and resolution of risk-related escalations involving any of Coinbase's diverse product offerings. These may include issues with deposits, withdrawals, trading activity, manufactured spend or other transactions that have been flagged for additional review. To effectively carry out this work, you will develop deep collaborative relationships across the wider Payments Risk organization. Specifically, you will partner closely with sub-teams focused on areas like risk modeling, fraud detection, and analytics. The goal of these partnerships will be to gain a holistic view of evolving risks and support joint efforts to proactively mitigate payments fraud. At the same time, you must ensure any risk controls or friction applied to customer accounts does not negatively impact our core metrics or degrade the user experience we strive to provide.

To thrive in this analyst role, a strong foundation of payments risk knowledge is essential. You should have a demonstrated understanding of how different payment methods like ACH, debit / credit cards, wire transfers and cryptocurrency work as well as their inherent risks. Working efficiently and independently in a fast-paced, high-volume environment is also crucial as you will be responsible for timely resolution of escalations. Familiarity with tools like SQL for querying large datasets would allow you to quickly analyze complex cases. While experience in analytics is preferable, the ideal candidate will be a self-starter capable of rapidly learning new technical skills.

Job Duties

Review high-risk transfers for potential fraudulent activity and accurately decision customer accounts escalated by Payments Risk and other teams

Communicate your findings to the broader team and leadership, as well as providing recommendations for remediation

Monitor dashboards to ensure key metrics are within target

Collaborate on fraud mitigation strategies and processes with a cross-functional team from Product, Engineering, and Customer Support

Provide feedback regarding rule performance and risk logic to corresponding Payments Risk investigations teams

Job Requirements

3+ years relevant experience with payments risk, fraud mitigation or ACH / Push Payments / Cards payment rails

2+ years fighting internet-based risk, abuse, or fraud in an e-commerce or financial services environment

BA / BS degree or equivalent practical experience

The curiosity to self-drive investigations, identify patterns, and find the root cause

A passion for fighting fraud

Demonstrate our core cultural values : clear communication, positive energy, continuous learning, and efficient execution

Nice To Haves

Experience with Looker, Tableau, or other data visualization tools

Familiarity with GitHub, JIRA, and Google Workspace apps

A mind toward automation

An understanding of blockchain analytics and / or fraud trends within the cryptocurrency ecosystem

Pay Transparency Notice : Depending on your work location, the target annual salary for this position can range as detailed below. Full time offers from Coinbase also include bonus eligibility + equity eligibility + benefits (including medical, dental, vision and 401(k)).